Hello, I'm Karim Hammal

Montreal, Mortgage broker you can trust.

I will help you find the right mortgage, every step of the way, as stress-free as possible.

With over 14 years of experience in mortgage and banking — including years at CIBC — I’ve helped clients across [X] transactions secure the right financing for their needs.

I provide a personalized experience for first-time buyers, renewals, refinancing, and investment properties, with access to multiple lenders and complete transparency from start to finish.

Karim Hammal, Mortgage Broker in Montreal, Quebec
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Clients Guided

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Happy Clients Across Quebec

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Mortgage & Banking Experience

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Home Financing Cases Handled

Access to 20+ Top Lenders & Banks

As your broker, I negotiate with Canada's leading banks and specialized lenders to find the rate and terms that fit your unique situation — not just the first offer on the table.

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SERVICES

Mortgage Solutions Built Around You

First-Time Home Buyers

I guide first-time buyers through every step of the mortgage process, from pre-approval toclosing. I explain financing options, government incentives, down payment requirements, and help secure the most suitable mortgage.

Mortgage Renewals

Before renewing with your current lender, I compare offers from multiple institutions to help you secure a better rate, lower payments, or more flexible mortgage features.

Mortgage Refinancing

Refinancing can help consolidate debt, access home equity, finance renovations, or lower monthly payments. I review your financial situation and recommend the most beneficial solution.

Home Purchases

Whether you're purchasing your primary residence, a vacation property, or an investment property, I help you obtain competitive financing while making the process simple and efficient.

Investment Properties

I assist investors with financing duplexes, triplexes, multiplexes, and rental properties, helping them structure financing to support long-term real estate growth.

Self-Employed Mortgages

I work with self-employed individuals and business owners to find lenders that understand complex income situations and offer flexible qualification options.

Alternative & Private Mortgages

When traditional financing isn't an option, I provide access to B lenders and private lenders for clients dealing with credit challenges, recent bankruptcy, consumer proposals, or unique financial situations.

Debt Consolidation

By refinancing your mortgage, you may be able to consolidate high-interest debts into one lower monthly payment, improving cash flow and simplifying your finances.

Home Equity Line of Credit

I help homeowners access the equity in their property through a HELOC, providing flexible funds for renovations, investments, emergencies, or future purchases.

Let’s Talk and Find the Right Mortgage for You

Whether you’re buying, renewing, or refinancing, a quick conversation can help clarify your options and next steps. No pressure — just clear, honest guidance.

Un guide pour les premiers acheteurs

Vous songez à acheter votre première maison? Nous avons préparé un guide gratuit qui couvre tout ce que vous devez savoir sur le crédit pour être prêt à obtenir une hypothèque. Téléchargez votre copie ici.

Free Ebook